BICYCLE HELMETS |
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A bicycle helmet is designed to provide head protection for cyclists. Helmets are most suitable for preventing injury in straight falls, and for reducing friction related damage to the head. Modern bicycle helmets were first developed in the 1970s.
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INSURANCE FRAUD |
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Insurance fraud or false insurance claims are insurance claims filed with the intent to defraud an insurance provider.
In the United States insurance fraud is estimated to cost US$875 per person per year with The Coalition Against Insurance Fraud estimating the loss to be $80 billion per year and Medicare estimating fraud in its system costs the government $179 billion per year.
Insurance fraud hurts the average person in two ways. First, all fraud costs, including losses, investigations, etc., are paid for by the insured through higher premiums, or, in the case of government insurance like Medicare, in higher taxes. Second, if a particular individual is the target for the fraud, they have costs such as deductible payments, loss of property use, etc., as well as higher premiums from the claim loss and the potential for denial of future coverage.
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SURGERY - ORTHOPEDIC |
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Orthopedic surgery or orthopedics (Commonwealth: "orthopaedics") is the branch of surgery concerned with acute, chronic, traumatic, and recurrent injuries and other disorders of the musculoskeletal system, its muscular and bone parts. Apart from the mechanical considerations, it also is concerned with the pathology, genetics, intrinsic, extrinsic, and biomechanical factors involved.
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